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西安公积金计算器

西安首套公积金和商业贷款的利差，是判断要不要优先用公积金的主要数字。月供公式两边相同，只是利率不同。

更新于

西安参考政策

更新于 。请以当地最新规定为准。

首套首付
15%
二套首付
20%
公积金单人上限
50 万元
公积金家庭上限
80 万元
商业贷款利率
3.5% / 3.8%
公积金利率
2.6% / 3.075%
全国 5 年期 LPR
3.5%
1 年期 LPR
3%

参考口径以西安市住房套数和限购执行文件为准，资格认定通过前不要把估算月供当成可贷承诺。

当前城市：西安。利率和首付仍可修改。

取消勾选后按二套参考利率重填，之后仍可改。

默认值来自 2026-09-22 的站内参考快照，可改成合同或公告上的利率。

贷款金额 50万元、公积金年利率 2.6%、贷款年限 30年、还款方式 等额本息，月供 2,001.70 元，总利息 220,611.14 元，总还款 720,611.14 元。对照 2026-09-22 的站内参考快照，仅供参考。

月供

总利息220,611.14 元
总还款720,611.14 元
期数360 期
还款方式
等额本息
贷款本金
500,000.00 元
年利率
2.6%
月利率
0.2167%
套数
按首套参数理解

计算记录

记录只留在这台设备上，用来回看和对比，不会上传。

点「查看计算结果」或「保存这次」，这里会出现记录。

清空计算记录

这会删掉这台设备上保存的计算记录，删掉后不能恢复。

还款曲线

还款计划

金额单位为元，左右滑动可看利息和剩余本金。

期数月供本金利息剩余本金
12,001.70918.371,083.33499,081.63
22,001.70920.361,081.34498,161.27
32,001.70922.351,079.35497,238.92
42,001.70924.351,077.35496,314.57
52,001.70926.351,075.35495,388.22
62,001.70928.361,073.34494,459.86
72,001.70930.371,071.33493,529.49
82,001.70932.391,069.31492,597.10
92,001.70934.411,067.29491,662.69
102,001.70936.431,065.27490,726.26
112,001.70938.461,063.24489,787.80
122,001.70940.491,061.21488,847.31
132,001.70942.531,059.17487,904.78
142,001.70944.571,057.13486,960.21
152,001.70946.621,055.08486,013.59
162,001.70948.671,053.03485,064.92
172,001.70950.731,050.97484,114.19
182,001.70952.791,048.91483,161.40
192,001.70954.851,046.85482,206.55
202,001.70956.921,044.78481,249.63
212,001.70958.991,042.71480,290.64
222,001.70961.071,040.63479,329.57
232,001.70963.151,038.55478,366.42
242,001.70965.241,036.46477,401.18
252,001.70967.331,034.37476,433.85
262,001.70969.431,032.27475,464.42
272,001.70971.531,030.17474,492.89
282,001.70973.631,028.07473,519.26
292,001.70975.741,025.96472,543.52
302,001.70977.861,023.84471,565.66
312,001.70979.971,021.73470,585.69
322,001.70982.101,019.60469,603.59
332,001.70984.231,017.47468,619.36
342,001.70986.361,015.34467,633.00
352,001.70988.501,013.20466,644.50
362,001.70990.641,011.06465,653.86
372,001.70992.781,008.92464,661.08
382,001.70994.931,006.77463,666.15
392,001.70997.091,004.61462,669.06
402,001.70999.251,002.45461,669.81
412,001.701,001.421,000.28460,668.39
422,001.701,003.59998.11459,664.80
432,001.701,005.76995.94458,659.04
442,001.701,007.94993.76457,651.10
452,001.701,010.12991.58456,640.98
462,001.701,012.31989.39455,628.67
472,001.701,014.50987.20454,614.17
482,001.701,016.70985.00453,597.47
492,001.701,018.91982.79452,578.56
502,001.701,021.11980.59451,557.45
512,001.701,023.33978.37450,534.12
522,001.701,025.54976.16449,508.58
532,001.701,027.76973.94448,480.82
542,001.701,029.99971.71447,450.83
552,001.701,032.22969.48446,418.61
562,001.701,034.46967.24445,384.15
572,001.701,036.70965.00444,347.45
582,001.701,038.95962.75443,308.50
592,001.701,041.20960.50442,267.30
602,001.701,043.45958.25441,223.85
612,001.701,045.71955.99440,178.14
622,001.701,047.98953.72439,130.16
632,001.701,050.25951.45438,079.91
642,001.701,052.53949.17437,027.38
652,001.701,054.81946.89435,972.57
662,001.701,057.09944.61434,915.48
672,001.701,059.38942.32433,856.10
682,001.701,061.68940.02432,794.42
692,001.701,063.98937.72431,730.44
702,001.701,066.28935.42430,664.16
712,001.701,068.59933.11429,595.57
722,001.701,070.91930.79428,524.66
732,001.701,073.23928.47427,451.43
742,001.701,075.56926.14426,375.87
752,001.701,077.89923.81425,297.98
762,001.701,080.22921.48424,217.76
772,001.701,082.56919.14423,135.20
782,001.701,084.91916.79422,050.29
792,001.701,087.26914.44420,963.03
802,001.701,089.61912.09419,873.42
812,001.701,091.97909.73418,781.45
822,001.701,094.34907.36417,687.11
832,001.701,096.71904.99416,590.40
842,001.701,099.09902.61415,491.31
852,001.701,101.47900.23414,389.84
862,001.701,103.86897.84413,285.98
872,001.701,106.25895.45412,179.73
882,001.701,108.64893.06411,071.09
892,001.701,111.05890.65409,960.04
902,001.701,113.45888.25408,846.59
912,001.701,115.87885.83407,730.72
922,001.701,118.28883.42406,612.44
932,001.701,120.71880.99405,491.73
942,001.701,123.13878.57404,368.60
952,001.701,125.57876.13403,243.03
962,001.701,128.01873.69402,115.02
972,001.701,130.45871.25400,984.57
982,001.701,132.90868.80399,851.67
992,001.701,135.35866.35398,716.32
1002,001.701,137.81863.89397,578.51
1012,001.701,140.28861.42396,438.23
1022,001.701,142.75858.95395,295.48
1032,001.701,145.23856.47394,150.25
1042,001.701,147.71853.99393,002.54
1052,001.701,150.19851.51391,852.35
1062,001.701,152.69849.01390,699.66
1072,001.701,155.18846.52389,544.48
1082,001.701,157.69844.01388,386.79
1092,001.701,160.20841.50387,226.59
1102,001.701,162.71838.99386,063.88
1112,001.701,165.23836.47384,898.65
1122,001.701,167.75833.95383,730.90
1132,001.701,170.28831.42382,560.62
1142,001.701,172.82828.88381,387.80
1152,001.701,175.36826.34380,212.44
1162,001.701,177.91823.79379,034.53
1172,001.701,180.46821.24377,854.07
1182,001.701,183.02818.68376,671.05
1192,001.701,185.58816.12375,485.47
1202,001.701,188.15813.55374,297.32
1212,001.701,190.72810.98373,106.60
1222,001.701,193.30808.40371,913.30
1232,001.701,195.89805.81370,717.41
1242,001.701,198.48803.22369,518.93
1252,001.701,201.08800.62368,317.85
1262,001.701,203.68798.02367,114.17
1272,001.701,206.29795.41365,907.88
1282,001.701,208.90792.80364,698.98
1292,001.701,211.52790.18363,487.46
1302,001.701,214.14787.56362,273.32
1312,001.701,216.77784.93361,056.55
1322,001.701,219.41782.29359,837.14
1332,001.701,222.05779.65358,615.09
1342,001.701,224.70777.00357,390.39
1352,001.701,227.35774.35356,163.04
1362,001.701,230.01771.69354,933.03
1372,001.701,232.68769.02353,700.35
1382,001.701,235.35766.35352,465.00
1392,001.701,238.03763.67351,226.97
1402,001.701,240.71760.99349,986.26
1412,001.701,243.40758.30348,742.86
1422,001.701,246.09755.61347,496.77
1432,001.701,248.79752.91346,247.98
1442,001.701,251.50750.20344,996.48
1452,001.701,254.21747.49343,742.27
1462,001.701,256.93744.77342,485.34
1472,001.701,259.65742.05341,225.69
1482,001.701,262.38739.32339,963.31
1492,001.701,265.11736.59338,698.20
1502,001.701,267.85733.85337,430.35
1512,001.701,270.60731.10336,159.75
1522,001.701,273.35728.35334,886.40
1532,001.701,276.11725.59333,610.29
1542,001.701,278.88722.82332,331.41
1552,001.701,281.65720.05331,049.76
1562,001.701,284.43717.27329,765.33
1572,001.701,287.21714.49328,478.12
1582,001.701,290.00711.70327,188.12
1592,001.701,292.79708.91325,895.33
1602,001.701,295.59706.11324,599.74
1612,001.701,298.40703.30323,301.34
1622,001.701,301.21700.49322,000.13
1632,001.701,304.03697.67320,696.10
1642,001.701,306.86694.84319,389.24
1652,001.701,309.69692.01318,079.55
1662,001.701,312.53689.17316,767.02
1672,001.701,315.37686.33315,451.65
1682,001.701,318.22683.48314,133.43
1692,001.701,321.08680.62312,812.35
1702,001.701,323.94677.76311,488.41
1712,001.701,326.81674.89310,161.60
1722,001.701,329.68672.02308,831.92
1732,001.701,332.56669.14307,499.36
1742,001.701,335.45666.25306,163.91
1752,001.701,338.34663.36304,825.57
1762,001.701,341.24660.46303,484.33
1772,001.701,344.15657.55302,140.18
1782,001.701,347.06654.64300,793.12
1792,001.701,349.98651.72299,443.14
1802,001.701,352.91648.79298,090.23
1812,001.701,355.84645.86296,734.39
1822,001.701,358.78642.92295,375.61
1832,001.701,361.72639.98294,013.89
1842,001.701,364.67637.03292,649.22
1852,001.701,367.63634.07291,281.59
1862,001.701,370.59631.11289,911.00
1872,001.701,373.56628.14288,537.44
1882,001.701,376.54625.16287,160.90
1892,001.701,379.52622.18285,781.38
1902,001.701,382.51619.19284,398.87
1912,001.701,385.50616.20283,013.37
1922,001.701,388.50613.20281,624.87
1932,001.701,391.51610.19280,233.36
1942,001.701,394.53607.17278,838.83
1952,001.701,397.55604.15277,441.28
1962,001.701,400.58601.12276,040.70
1972,001.701,403.61598.09274,637.09
1982,001.701,406.65595.05273,230.44
1992,001.701,409.70592.00271,820.74
2002,001.701,412.76588.94270,407.98
2012,001.701,415.82585.88268,992.16
2022,001.701,418.88582.82267,573.28
2032,001.701,421.96579.74266,151.32
2042,001.701,425.04576.66264,726.28
2052,001.701,428.13573.57263,298.15
2062,001.701,431.22570.48261,866.93
2072,001.701,434.32567.38260,432.61
2082,001.701,437.43564.27258,995.18
2092,001.701,440.54561.16257,554.64
2102,001.701,443.66558.04256,110.98
2112,001.701,446.79554.91254,664.19
2122,001.701,449.93551.77253,214.26
2132,001.701,453.07548.63251,761.19
2142,001.701,456.22545.48250,304.97
2152,001.701,459.37542.33248,845.60
2162,001.701,462.53539.17247,383.07
2172,001.701,465.70536.00245,917.37
2182,001.701,468.88532.82244,448.49
2192,001.701,472.06529.64242,976.43
2202,001.701,475.25526.45241,501.18
2212,001.701,478.45523.25240,022.73
2222,001.701,481.65520.05238,541.08
2232,001.701,484.86516.84237,056.22
2242,001.701,488.08513.62235,568.14
2252,001.701,491.30510.40234,076.84
2262,001.701,494.53507.17232,582.31
2272,001.701,497.77503.93231,084.54
2282,001.701,501.02500.68229,583.52
2292,001.701,504.27497.43228,079.25
2302,001.701,507.53494.17226,571.72
2312,001.701,510.79490.91225,060.93
2322,001.701,514.07487.63223,546.86
2332,001.701,517.35484.35222,029.51
2342,001.701,520.64481.06220,508.87
2352,001.701,523.93477.77218,984.94
2362,001.701,527.23474.47217,457.71
2372,001.701,530.54471.16215,927.17
2382,001.701,533.86467.84214,393.31
2392,001.701,537.18464.52212,856.13
2402,001.701,540.51461.19211,315.62
2412,001.701,543.85457.85209,771.77
2422,001.701,547.19454.51208,224.58
2432,001.701,550.55451.15206,674.03
2442,001.701,553.91447.79205,120.12
2452,001.701,557.27444.43203,562.85
2462,001.701,560.65441.05202,002.20
2472,001.701,564.03437.67200,438.17
2482,001.701,567.42434.28198,870.75
2492,001.701,570.81430.89197,299.94
2502,001.701,574.22427.48195,725.72
2512,001.701,577.63424.07194,148.09
2522,001.701,581.05420.65192,567.04
2532,001.701,584.47417.23190,982.57
2542,001.701,587.90413.80189,394.67
2552,001.701,591.34410.36187,803.33
2562,001.701,594.79406.91186,208.54
2572,001.701,598.25403.45184,610.29
2582,001.701,601.71399.99183,008.58
2592,001.701,605.18396.52181,403.40
2602,001.701,608.66393.04179,794.74
2612,001.701,612.14389.56178,182.60
2622,001.701,615.64386.06176,566.96
2632,001.701,619.14382.56174,947.82
2642,001.701,622.65379.05173,325.17
2652,001.701,626.16375.54171,699.01
2662,001.701,629.69372.01170,069.32
2672,001.701,633.22368.48168,436.10
2682,001.701,636.76364.94166,799.34
2692,001.701,640.30361.40165,159.04
2702,001.701,643.86357.84163,515.18
2712,001.701,647.42354.28161,867.76
2722,001.701,650.99350.71160,216.77
2732,001.701,654.56347.14158,562.21
2742,001.701,658.15343.55156,904.06
2752,001.701,661.74339.96155,242.32
2762,001.701,665.34336.36153,576.98
2772,001.701,668.95332.75151,908.03
2782,001.701,672.57329.13150,235.46
2792,001.701,676.19325.51148,559.27
2802,001.701,679.82321.88146,879.45
2812,001.701,683.46318.24145,195.99
2822,001.701,687.11314.59143,508.88
2832,001.701,690.76310.94141,818.12
2842,001.701,694.43307.27140,123.69
2852,001.701,698.10303.60138,425.59
2862,001.701,701.78299.92136,723.81
2872,001.701,705.47296.23135,018.34
2882,001.701,709.16292.54133,309.18
2892,001.701,712.86288.84131,596.32
2902,001.701,716.57285.13129,879.75
2912,001.701,720.29281.41128,159.46
2922,001.701,724.02277.68126,435.44
2932,001.701,727.76273.94124,707.68
2942,001.701,731.50270.20122,976.18
2952,001.701,735.25266.45121,240.93
2962,001.701,739.01262.69119,501.92
2972,001.701,742.78258.92117,759.14
2982,001.701,746.56255.14116,012.58
2992,001.701,750.34251.36114,262.24
3002,001.701,754.13247.57112,508.11
3012,001.701,757.93243.77110,750.18
3022,001.701,761.74239.96108,988.44
3032,001.701,765.56236.14107,222.88
3042,001.701,769.38232.32105,453.50
3052,001.701,773.22228.48103,680.28
3062,001.701,777.06224.64101,903.22
3072,001.701,780.91220.79100,122.31
3082,001.701,784.77216.9398,337.54
3092,001.701,788.64213.0696,548.90
3102,001.701,792.51209.1994,756.39
3112,001.701,796.39205.3192,960.00
3122,001.701,800.29201.4191,159.71
3132,001.701,804.19197.5189,355.52
3142,001.701,808.10193.6087,547.42
3152,001.701,812.01189.6985,735.41
3162,001.701,815.94185.7683,919.47
3172,001.701,819.87181.8382,099.60
3182,001.701,823.82177.8880,275.78
3192,001.701,827.77173.9378,448.01
3202,001.701,831.73169.9776,616.28
3212,001.701,835.70166.0074,780.58
3222,001.701,839.68162.0272,940.90
3232,001.701,843.66158.0471,097.24
3242,001.701,847.66154.0469,249.58
3252,001.701,851.66150.0467,397.92
3262,001.701,855.67146.0365,542.25
3272,001.701,859.69142.0163,682.56
3282,001.701,863.72137.9861,818.84
3292,001.701,867.76133.9459,951.08
3302,001.701,871.81129.8958,079.27
3312,001.701,875.86125.8456,203.41
3322,001.701,879.93121.7754,323.48
3332,001.701,884.00117.7052,439.48
3342,001.701,888.08113.6250,551.40
3352,001.701,892.17109.5348,659.23
3362,001.701,896.27105.4346,762.96
3372,001.701,900.38101.3244,862.58
3382,001.701,904.5097.2042,958.08
3392,001.701,908.6293.0841,049.46
3402,001.701,912.7688.9439,136.70
3412,001.701,916.9084.8037,219.80
3422,001.701,921.0680.6435,298.74
3432,001.701,925.2276.4833,373.52
3442,001.701,929.3972.3131,444.13
3452,001.701,933.5768.1329,510.56
3462,001.701,937.7663.9427,572.80
3472,001.701,941.9659.7425,630.84
3482,001.701,946.1755.5323,684.67
3492,001.701,950.3851.3221,734.29
3502,001.701,954.6147.0919,779.68
3512,001.701,958.8442.8617,820.84
3522,001.701,963.0938.6115,857.75
3532,001.701,967.3434.3613,890.41
3542,001.701,971.6030.1011,918.81
3552,001.701,975.8825.829,942.93
3562,001.701,980.1621.547,962.77
3572,001.701,984.4517.255,978.32
3582,001.701,988.7512.953,989.57
3592,001.701,993.068.641,996.51
3602,000.841,996.514.330.00
明算 · · 公积金贷款计算器

当地说明

西安二套利率上浮后，总利息会明显增加。可以用还款方式对比页看等额本金能不能把利息降下来。

月供使用本页公积金参考利率。可贷额度还要看余额和收入，请再打开可贷额度计算器。

常见问题

西安首套和二套首付比例参考是多少？

站内快照（2026-09-22）首套约 15%，二套约 20%。参考口径以西安市住房套数和限购执行文件为准，资格认定通过前不要把估算月供当成可贷承诺。

西安公积金最高额度参考是多少？

本页单人上限按 50 万元、家庭上限按 80 万元试算，实际还要同时满足余额倍数和月供能力。西安二套利率上浮后，总利息会明显增加。可以用还款方式对比页看等额本金能不能把利息降下来。

西安房贷和公积金利率参考怎么填？

商业贷款首套参考 3.5%、二套参考 3.8%；公积金首套参考 2.6%、二套参考 3.075%。全国 5 年期以上 LPR 见站内利率快照，加点以贷款银行为准。

西安的 LPR 和本页商业贷款利率是什么关系？

商业贷款合同一般写 5 年期以上 LPR 加减基点。本页 3.5% 表示在站内 LPR 参考值上暂不加基点，实际基点以银行为准。

相关城市

额度、首付和利率供对照，不构成贷款建议。阅读免责声明